If a person has poor or no credit they may have difficulty finding a credit card There are options for individuals in this situation though Those who struggle with credit can often be approved for a secured credit card and nearly everyone can get a prepaid card But what is the difference and which is right for you Similarities Both prepaid cards and secured credit cards are accepted just like normal credit cards They can be used online at restaurants stores gas stations or anywhere else credit cards are accepted Additionally both cards require a user to deposit funds before using the cards Differences Other than these basics secured credit cards and prepaid credit cards work much differently